The Amex Gold [Best for Dining & U.S. Supermarkets]
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BEST FOR DINING
Terms Apply / Rates & Fees
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Up to $2,200
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros & Cons
Pros
- 5x points per dollar on prepaid hotels via AmexTravel.com or the Amex Travel App
- 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
- 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
Cons
- $325 annual fee (rates and fees)
- No lounge access
Card Highlights
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Rewards Center
Welcome Offer Details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount --- all with no credit score impact. If you’re approved and accept the Card, your score may be impacted.Our Verdict
The Amex Gold card is a powerful point-earner, especially at restaurants worldwide and U.S. supermarkets. It even offers an annual dining credit with enrollment.
If you love food and travel, the Amex Gold card might be the perfect choice.
Where We Find Value
Below, you’ll find our estimated valuation for this card and its benefits. These proprietary valuations consider the benefit usage of an average cardmember with moderate travel, along with our valuation of 2.2 cents per Amex Membership Rewards point. We’ve provided more details on our valuations and benefits below the table.
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Benefit | Valuation |
Welcome Bonus Offer
| Earn up to $2,200* |
Earning Rates
| Up to $100+* |
Shopping Discounts, Perks, and Credits
| Up to $424** |
The Hotel Collection Access and Benefits | Up to $100 |
Additional Benefits That Bring Value | |
Car Rental Loss and Damage Insurance | Varies |
*The bonus value of the welcome offer as well as the value of benefits are an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
**Some benefits require enrollment through your American Express account.
***Add your Gold Card to your Uber account and receive $10 in Uber Cash each month when you select an American Express Card for your transaction.
Benefits Compared to Annual Fee
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Welcome Offer Value | Total Value of Shopping Discounts, Perks, and Credits | Annual Fees |
Earn up to $2,200* | Up to $424 | $325 (rates & fees) |
Great Card If
- You spend a lot at U.S. supermarkets, dining out, and on airfare
- You want a card that earns flexible rewards
- You’re easily able to make use of the card’s annual dining credit and benefits
Don’t Get If
- You don’t spend much money on the card’s bonus categories or travel much
- You prefer a more premium card that offers airport lounge access or hotel elite status (such as the Platinum Card® from American Express)
Apply for The Amex Gold Card
Statement Credit Details (Up to $424 in Value)
- Up to $120 annual dining credit
- Up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, the Cheesecake Factory, Buffalo Wild Wings, Wonder, and Five Guys. Enrollment required.
- Up to $120 Uber Cash
- Add your Amex Gold card to your Uber account and get $10 in Uber Cash each month to use on Uber Eats orders and rides in the U.S. when you select an American Express card for your transaction.
- Up to $84 Dunkin’ credit
- Earn up to $7 in monthly statement credits after you enroll and pay with the Amex Gold card at U.S. Dunkin’ locations.
- Up to $100 Resy credit
- Get up to $100 in statement credits each calendar year after you pay with the Amex Gold card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.